I’m not a huge fan of investing in bonds, although I do invest in them from time to time. In general, their prospective returns are lower than stocks, they’re taxed at marginal income rates, and individual bond issues are harder to research/buy/trade than individual stocks. However, the most surprising reasons […]
I’ve talked a lot about how much it takes to retire and safe withdrawal rates and ways to increase safe withdrawal rates. See the series of posts here. All of these discussions and studies I reference are based on a certain retirement model. Lets call it the portfolio value retirement […]
I haven’t talked about safe withdrawal rates (SWR) in a while. For earlier discussions on what the SWR is on how to use it in retirement see the series of posts here. The SWR basically determines what is the maximum a retiree can withdraw from their portfolio every year and […]
In an earlier post I introduced a method to time the market, based on the 200-day moving average, that produced higher investment returns, lower volatility, and lower drawdowns than a buy and hold portfolio. As I’ve stated here many times lower drawdowns (max principal loss in any period) is critical […]
The safe withdrawal rate (SWR) that I’ve discussed in several posts (here, here, here) is a great tool to use for retirement planning and once in retirement. I’ve presented a range of SWRs from the super conservative 4% that has worked 100% of the time to the slightly more aggressive […]
In an earlier post on risk management I discussed various methods of managing downside risk in a portfolio. One method I mentioned was a momentum strategy based on moving averages. Most would call such a strategy a market timing strategy even though that brings up a lot of negative connotations […]
In earlier posts I’ve covered how much it takes to retire, the safe withdrawal rate (SWR), and one method of increasing the safe withdrawal rate. Today I wanted to cover the method I use to increase my SWR significantly without taking on any more risk. Sounds exciting huh? Well, maybe […]
I’ve discussed the 4% withdrawal rule, the safe withdrawal rate (SWR), a couple of times already; in my post on how much does it take to retire and the one on how to actually use the 4% rule. Great, we’re all prepared for a safe and happy retirement. But wouldn’t […]
In a previous post (here) I addressed how much you need in assets to retire and how much you can safely withdraw per year to make sure that amount lasts you as long as your retirement lasts. That number, the safe withdrawal rate (SWR), I said was 4% for a […]
The primary theme of this blog is how to live off your retirement assets. But first one needs to accumulate enough assets to retire. So, for my inaugural post, I’ll address how to determine how much you need to retire. This can be quite a complex topic which I’ll come […]